How To Save Money On Used Car Auto Loans

Having to finance the purchase of a new or pre-owned vehicle is just a fact of life for most people today. In fact it is estimated that almost 4 out of every five people who buy a vehicle have to make some kind of auto financing arrangements to do so. And that is not surprising either, given the fact that cars are one of the most expensive items that the average person will buy in their lifetime.

Also the monthly payments made for a typical used car auto loan consumes around 20% of the entire monthly budget for the family. That means then that over the course of several years consumers are paying huge sums of money out on their auto loans. So it’s important to pay attention when arranging for financing to try to get the best auto loan rates that you can and therefore save as much money as possible when you do. Here are some ways to save money on your car loans:

* Understand very clearly in advance how much money you can afford to spend on a car loan without overextending your self. To do this, add up all your average monthly expenditures and subtract them from your net income each month. This figure will give give you an overall idea of how much you have left to comfortably fit in a car payment. Just be sure that you don’t stretch yourself too thin and have nothing left over for emergencies.

* Keeping your credit history as spotless as possible as you go will mean an awful lot when it comes tome to get any type of loan, but especially an auto loan. Your credit score is determined by how well you have paid your bills on time in the past and how much overall debt you are currently carrying along with other factors too. So make sure that you are careful to keep your credit score high and remove any errors that may show up so you can qualify for the best auto loan rates each time you buy a car.

* Shopping around for used car auto loans is vital to get the best deal possible. You will find that as you do, the loans you are offered will probably vary quite a bit from company to company. so the more quotes you get the more chance you have of getting the best loan deal possible for you. And don’t forget online auto financing options here either as the internet can be a great way to shop for the best auto loan rates quickly and easily.

* In many cases it’s good to arrange your car financing separate from the sale of the car and avoid dealer financing altogether. This is because dealers often see the loan as another way to make money on selling you the car, and because loan contracts are so difficult to understand there are lots of places where the dealer can hide their extra profits that you will be paying for. So try to get your loan arrangements all set up in advance. If you wish you can allow the dealer to compete with the loans that you already have in place, but if you do, you will be bargaining from a position of strength and the deal will not hinge on what the dealer offers you.

These simple suggestions can add up to tremendous savings for the average consumer over their driving lifetime. So consider them the next time you are thinking about getting used car auto loans that will save you money.

Fast Cars, Sports Cars British Performance

At the end of World War II there was a surge of high performance, fast and sporty cars that began to emerge. The soldiers who were returning home from war were instantly attracted to these fast sports cars, many which were exported by Britain. At that time the British were building high quality sports cars at a price many could afford. The British sports cars were superbly engineered and quickly began taking the sports car world by storm. Their sleek and sporty design made them highly desirable.

The fast and sporty British cars began to really take off when the Triumph came out with the TR2 in 1953. At the time Triumph produced some of the most sought after cars in the world. The United States fell in love with it and soon began seeking other British sports cars.

Taking A Look At The Cars

The Jaguar is probably the most popular fast, sport car the British offer. Many people see the Jaguar as the top of the line automobile. The brand new Portfolio which is being unveiled in March 2007 brags of a speed of 155 mph and can reach 60 mph in only 4.9 seconds. The Portfolio features a 4.2 liter engine and the car will be offered worldwide.

BMW is also offering a new coupe and convertible in their 3 series. These are supposed to be the most appealing BMW fast and sporty cars to date. These come with aerodynamic styling and lower suspension which offers a sportier look and ride. These sport modes are offered in Silver, Black, Blue, Graphite, White, and Red.

Aston Martin is announcing improvements to their famous Vanquish S. This automobile is famous for its luxury and unique style. It was also made famous by James Bond in the movie Die Another Day”. The Vanquish S Ultimate Edition will showcase many of the features of the Vanquish s that many Britons love. With only 40 being built, these cars will be offered as a limited edition and predictions say they will all be sold in only a few weeks.

This edition will be produced in Ultimate Black and this will be the only car available in this color. The interior will be trimmed in leather and stylish black chrome. It will offer a top speed of 200 mph. This car is the result of customer research and request and contains the features most sought after by the public. It comes with a high price tag but will be considered an investment since the car will likely maintain or increase in value.

Electric Cars – How To Build Them

While many people I talk to tell me that there is no way the they could build electric cars themselves, I tell them they are dead wrong. After helping 4 of my friends (one who has NO mechanical skills at all) I’m pretty confident when I say anyone can build their own electric cars.

After all, the reasons for doing a conversion far outweigh those for not doing one. With the price of gas going up, it is much cheaper to power things with electricity. For example, my friend used to spend around $150 per month on gas and now he spends roughly $30 per month to charge his car every night. Pretty amazing savings isn’t it? He managed to pay for the conversion in less than 4 months.

The parts for our electric car weren’t very hard to find. For the electric motor the guide suggested we go looking on eBay where we found one for about $65. We decided to try and cram 14 deep cycle 12 volt batteries in there as well. We got those for free (the guide shows you how to find free batteries) which ended up saving us well over $1400. The assorted nuts, bolts and electronics cost just over $200 so all in all we ended up paying roughly $350 to build our electric car.

The plans were so good that the only thing we really had trouble with was hoisting the old motor out of the car. This wasn’t actually as hard as it sounds because the motor is only attached by a couple bolts and once they’re loose it comes right out.

I am very satisfied with how it all turned out. We drive a zero emissions vehicle and it doesn’t cost us anything (we live on renewable energy). For our friends who are still hooked up to the grid it only costs them about $30 per month to drive… which saves them $110 per month or $1320 per year! I just love pulling up beside people at a stop light and not making a sound. Since the car has an electric motor we also have a lot of low end torque, which means that I can pretty much beat any car in acceleration, and being able to go 50 MPH means I can still drive on the highways.

Golf Cars – 1001 Uses, With Imagination

Golf Carts, Club cars, Golf Buggies – all the same thing – have come a long way from the golf course, although they can still be found there, too.

Golf Carts were originally designed to ferry golfers and their equipment from the end of one hole on the course to the start of the next, and back to the clubhouse. Whatever happened to golf as exercise? You will now see golf carts in all kinds of places far removed from the golf course.

Golf Cars are used on university campuses and to ferry presidents around. Their other uses are only just beginning to be explored. They are used in large warehouses and factories to move around quickly, without the noise and pollution that a conventional vehicle would cause.

In many ways these compact vehicles represent a ready-made alternative to the gas-engined automobile, except they are small and go slowly. Around town they are perfect for carrying the kids to school, or going to the grocery store. These uses have not taken off because of the attitude of most drivers, who insist on speed and protective devices around them.

You can buy standard accessories like a windscreen or enclosing body, or you can go for full customization.

You may want an electric vehicle for around the farm – you can buy spray equipment to fit to most “Golf Cars”. You may want a 4×4 “Golf Car” for hunting or just driving through the forest. All of these are available at reasonable cost.

You want camouflage? You’ve got it.
You want weapon racks? You’ve got them.
You want a sunbrella? You’ve got it.

Golf Cars are used on university campuses and to ferry presidents around. Their other uses are only just beginning to be explored. Golf cars provide a quiet and environmentally acceptable mode of personal transport.

Cool Fast Cars And Performance Vehicles

In the world of fast and mean machines we often find a few brand names which catch our attention due to their reputation, style and price tags. European cars are most of the time the ones who take the all the glory due to their extreme attention to detail, speed and power; some have even said that the only thing some of the fastest cars are lacking, are wings. With so much horse power it wouldn’t be surprising to hear one of those cars went airborne.

While some of the most powerful and fastest cars are fairly new, some movies such as the fast and the furious have brought sexy back through some old and powerful models, that is the case of the fully tweaked 1970 Dodge Charger, the 1965 Ford Mustang, 1965 Shelby Cobra Daytona, the 1971 Chevrolet Monte Carlo, 1970 Plymouth Roadrunner GTX, etc. These classic cars are surely attention grabbers since their original design is really unique compared to most modern cars.

Among the newest models featured in such film we have the fully customized 2003 Honda Accord, the 2005 Ford GT, 2005 Shelby GT500, 2006 Mazda RX-8, the 2005 Dodge Viper SRT10, the 2003 Nissan Fairlady, the 2005 model APR Mitubishi Lancer Evolution VIII MR, etc.

There are several categories each car performs best at, so we can’t compare them all on a 1 to 1 scale, some are faster, others have more control, others are better for drifting, etc. In speed competition we can compare the acceleration times until each model reaches 60MPH, and these are the results:

To go from 0-60 the following models make 4.9 seconds: 1996 Ferrari F 355 Berlinetta, 2002 Acura NSX, etc.
The 2000 Porsche 911 Turbo and the 2003 Dodge Viper SRT-10 are tied on 3.8 seconds.
The 2002 Ferrari Enzo and the 2002 Pagani Zonda C12-S 7.3 are also tied on 3.5 seconds.
The 2003 Bugatti 16/4 Veyron reaches 60 MPH in just 3 seconds.
And to top them all the 1994 Dauer 962 LeMans reaches 60 MPH in just 2.6 seconds!, how is that for a fast car?

Fast cars attract a very specific young group of people but for those who prefer style and sleek lines, there are newer models which have been released to the market fairly recently, these are the so called “Eye Candy” models:

The 2008 Porsche Chayenne which features the brand new TechArt Aero Kit, this stylish SUV. Another sleek car which was made famous by one of 007 movies “Casino Royale” is the Aston Martin. There are so many cars which would fall in this category a full blown blog is necessary!. Cars are part of the American culture but wherever you are, if your culture doesn’t involve cool fast cars, believe me, it will soon.